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Cedar Rapids State Bank

IDRSSD: 1005851
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q4QoQ +7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #1005851 2025-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.3% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.36% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +7 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +45

The five pillars

Liquidity

WatchQoQ +2
49
Sub-score

Liquidity is deteriorating: brokered 37.3%, loans/deposits 93.2%, cash 1.4% of assets.

Cash / Assets
1.36%
Loans / Deposits
93.19%
Brokered %
37.31%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.3% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.36% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.17%
No watch items at this period.

Capitalization

StrongQoQ -4
83
Sub-score

Capital position is strong: Tier 1 RBC 12.54%, CET1 12.54%, leverage 9.37%.

Tier 1 RBC
12.54%
CET1
12.54%
Leverage
9.37%
No watch items at this period.

Asset Quality

StrongQoQ +5
91
Sub-score

Asset quality is strong: Adjusted NPL 0.59%, Texas Ratio 4.7%, NCO YTD 0.36%.

Adjusted NPL
0.59%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.36%
30-89 PD
1.19%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +45
82
Sub-score

Reserves are strong: ALLL 1.07% of loans, coverage 181.9%, true coverage 181.9%.

ALLL / Loans
1.07%
Coverage
181.9%
True Loss Coverage
181.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 21:13:03 UTC